Hello. I'm a male in my 30s, 6'1, about 220. I'm out of shape and want to start commuting on a bike. I recently bought a used Roadmaster MTB for $100 because it was cheap and the previous owner maintained it well. Since I'm kind of tall I raised the seatpost 5" so my legs wouldn't be so bent.

I'd like to raise the seat even more so my legs will be completely straight, but then I have problems getting on and off the saddle. I have to tilt the bike down and swing my leg over and my pant crotch catches the top. I also try to follow traffic laws, so at red lights I have to stop and put one leg down to balance myself. When the seat is high enough for my legs to be straight, I have to be on tip toes when I'm stopped.

Is there a better way of doing this? What am I supposed to do so I have a bike that is big enough to keep my legs straight, but also easy enough to use when commuting? What do you guys suggest, I am looking for opinions here.